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10 years to clear £334K - our FIRE journey
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That's a shame SH but they can be a nuisance in the bedroom! (cats in case anyone stumbles in at this point and hasn't read previous comments 😁)
Quiet day, listed a pair of Boss mens trousers on Vinted which I'm hoping will sell. Also got 30-odd watchers on the £25 dress but I listed it before and had 50+ watchers and no serious offers so not holding my breath!
Fire lit, had big lunch so won't need much for dinner tonight. Soup made during free electric using olio cauliflower and brie so virtually free. Will do for a couple of lunches.
Managed to run DW, TD, heated floor, charge car for an hour, had a shower and washed hair (need shower on high for that, use eco for general shower) and cooked breakfast all on free time so happy with that.4 -
How lovely on the free energyAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
OH has been paid today, my payday is tomorrow so updating spreadsheets. Looks like we will be down to £1k debt Vs savings which will be great.
Front door and windows were fitted this week. Can you spot the problem?it
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Fantastic couple of days off work. Went to a gig last night, a singer we have wanted to see for ages and she was amazing, so much so that whilst queueing to pay for the car park we booked tickets to see her again early next year and got brilliant seats which much have been a return as all other seats in that section were sold.
Only downside was gig was 2 hours drive away and didn't finish until 11.00 (the band would have carried on but venue had a hard stop) so didn't get home until gone 1.00am.
Lazy start to the day then went to a NT site, had lunch and a couple of hours wandering round. Home for hot chocolate now then off to another (more local thankfully!) gig tonight in a church which I'm thoroughly looking forward to.
Not much money saving in all that but it has reiterated two themes:
I want to retire as young as possible to enjoy days like today as soon as I can.
Planning for retirement can't be at the expense of enjoying experiences right now and they help keep me motivated when work is stressful!6 -
The ventilation cover is too close to the inside frame to be possible to open it?Yes, those days sound amazing and I completely agree with both your thoughts 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
The gig sounds amazing.
Aside from the window issue - is the rest of your doing up your house finished now or do you have further projects planned?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
The photos are not great quality but the glass is back to front so green frames outside have white Georgian bar showing and white frames inside have green Georgian bar. Trouble is they can't just swap the glass round as the frosting is on the wrong side as well.
@SH, still a fair bit to do. We want to convert the downstairs toilet into a wet room and refurb the utility room, then replace all the rest of the windows in the house. The conservatory is falling down so needs replacing. Lastly it's rewire and decorate the three bedrooms.
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Sorry - that sounds really frustrating on the windows.
You are making me feel better about the spends on my house. Sounds like you have a lot to do too. Just sadly where I live if I spend much more I'm unlikely to recoup it...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Spent the afternoon with my ex colleague and soon to be new colleague who joins my team in January and it has energised me to know I will soon have someone I can rely on and bounce things off.
I have some great members in my team but they are all quite inexperienced so it will be so good to have someone bringing their own ideas.
£10 Vinted sale paid off mortgage.3 -
Non working day, very productive so far. Two fans boxed up to go into loft, lots of tidying and sorting. Soup made with remaining half a BNS and some squishy red peppers with a 3 year OOD tin of coconut milk.
Still left to do:
Change the bed and put electric blanket on
Clean the litter trays
Clean and swap water fountains
Move old TV to bedroom
Box up MM items and book collection
OH has started process to apply for 9-day fortnight which would be great.
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